Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Ed

Friendly service and quick reimbursement!

Our dog had a series of seizures that required him to get a MRI test done... Embrace representatives were very helpful and friendly in the pre-approval and claim process, and we got our reimbursement immediately!
5

out of 5

POSTED: | BY: Melanie

Worth Every Penny

We have been with Embrace since 2011 and I have to say it has been worth every penny. We have two pure-bred Border Collies and as active dogs, pet insurance is a no-brainer for us. Some years we have leaned heavily on our coverage--they've covered everything from demodic mange to kennel cough to an accident that caused a puncture wound and required staples to dietary indiscretion to a UTI to allergies to broken nails--it seems like we've run the gambit. Other years have been pretty calm; it's just so nice to have it. I'm thankful that we never have to question whether or not to take our dogs to the vet. I would even go as far as to say having Embrace has made us better pet parents. Embrace is fair and up-front about what's covered and I love that they reimburse a portion of what you pay, rather than some predefined amount. They're also very responsive to emails and phone calls and EVERY person I've spoken to has been friendly and seemed dedicated to helping me. As a bonus, claims are handled really speedily--usually less than 2 weeks. I can safely say I'll never have another pet without also having pet insurance and if things continue as they are, that insurance will always come from Embrace. I have even recommended it to many of our fellow pet-parent friends!
5

out of 5

POSTED: | BY: Julie

Easy and great service

This is my second year having pet insurance for my two ragdoll cats, Abby and Oliver. I feel it has been worth it and love how easy it is to submit claims and how fast they are processed. Communication is always great. I would recommend this insurance to any pet owner.
5

out of 5

POSTED: | BY: Michele

Excellent turnaround for processing claim

Our Greater Swiss Mountain Dog was neutered and had gastropexy surgery. Embrace processed the claim within the same week as the surgery and let us know what our reimbursement would be. That is great customer service!!
5

out of 5

POSTED: | BY: Carol

Excellent Coverage & Customer Service

We have had coverage with Embrace for about 9 months. Their website is very easy to upload documents and their customer service is awesome. They are quick to answer questions too. First time we have had pet insurance...glad we chose Embrace.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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